2019 Benefits Summary - paypalbenefits.com - PayPal Benefits
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2019 Benefits Summary
This summary provides an overview of the PayPal U.S. benefit programs.
Visit paypalbenefits.com to learn more.
paypalbenefits.com
PayPal benefits are here to support your mental, physical, and
emotional balance so you can achieve a happy and healthy life.
Who Is Eligible for Benefits? Can I Enroll My Dependents?
If you’re a regular U.S. employee working 20 hours or more Eligible dependents include your spouse or domestic partner and
per week on a continuous basis, you’re eligible for the children up to age 26. View dependent eligibility requirements
following benefits: online at ybr.com/benefits/paypal.
• Medical
• Dental How Do I Enroll?
• Vision PayPal’s benefits enrollment and eligibility administrator is YBR.
• Employee Assistance Program (EAP) You can log in to YBR from paypalbenefits.com, or you can
• Flexible Spending Account (FSA) access YBR directly.
• Short- and Long-Term Disability • Via paypalbenefits.com: Go to New to PayPal
• Life Insurance • Via YBR direct: ybr.com/benefits/paypal
• Accidental Death and Dismemberment (AD&D) • Telephone: 844-474-6641
You’re eligible for coverage as of your hire date (or benefits • If you have questions while you’re logged in to YBR, you
eligibility date), and the elections you make as a new hire can select the “live chat” feature to get answers.
will remain in effect for the calendar year, unless you have a Each year, the Benefits Annual Enrollment period is held in
qualifying life event (see "Changing Your Elections"). the fall. This is your once-a-year chance to enroll in or make
changes to your benefits, unless you have a qualifying life event
Newly eligible employees have 30 days to enroll in benefits. If
(see "Changing Your Elections"). The benefits you select during
you don’t make an enrollment selection, you’ll automatically
Annual Enrollment will take effect January 1 of the following year.
be enrolled in employee-only coverage for the $300 Deductible
Medical plan, Core Dental plan, and Core Vision plan retro-
Got Questions?
actively to your benefits eligibility date.
We’re here to help. If you have questions about your benefits or
enrollment, please call YBR Customer Service at 844-474-6641, or
Changing Your Elections
visit ybr.com/benefits/paypal. For claims assistance during the
If you have a qualifying life event—such as getting married or
year, please refer to the U.S. Benefits Contact Information section
divorced, having a child, or experiencing a change in your eligibility
at the back of this guide for each carrier’s contact information.
—you can make changes to your benefits. You must contact Your
Benefits Resources™ (YBR) within 30 days of the event date to
make any updates to your coverage. If you wait beyond the 30-day
period, you will not be able to change your benefits.
2 Learn more at paypalbenefits.com.
Medical Options
You have a few choices for medical coverage, depending on where you live.
UnitedHealthcare NOTE: If you have an HSA and are also enrolled in the Health
Care Flexible Spending Account (FSA), you can receive
With UnitedHealthcare® (UHC), you have access to a national,
reimbursement for only dental and vision expenses through your
extensive network of physicians and health care facilities. You
FSA, because you are already receiving a health care tax benefit
can receive care from any provider, but you’ll pay less when you
through your HSA.
visit in-network providers. Prescription drug coverage is provided
through CVS/caremark®. You’ll receive a medical plan ID card HSA Contributions
from UnitedHealthcare and a prescription ID card from CVS/
caremark. UnitedHealthcare offers two medical plan options: Employee
with Covered
Employee Only Dependents
$300 Deductible
• In-network preventive care is covered at 100%. PayPal Contribution $500 $1,000
• Once you meet your annual deductible, the plan pays 90% of
2019 Contribution $3,500 $7,000
most in-network eligible expenses, and you pay the remainder Maximum (including
until you reach your out-of-pocket maximum. PayPal’s contribution)
• Once you reach the out-of-pocket maximum for the year, the
You can contribute an additional $1,000 if you’re age 55 or older.
plan pays 100% of eligible in-network expenses for the rest of
the year.
• Out-of-network coverage is available. Health Maintenance
• See the medical plan comparison chart on page 4 for benefit
coverage and limits. Organization (HMO)
You can also choose an HMO medical plan if you live in California
Consumer Directed Health Plan (CDHP) with Health or Utah.
Savings Account (HSA)
• Kaiser Permanente HMO (CA)
• A high-deductible health plan.
• SelectHealth HMO (UT)
• With the exception of preventive exams, all care (including
You must receive care within the HMO plan’s network of
prescriptions) is subject to the annual deductible.
providers and facilities, except in the event of an emergency,
• Deductibles and coinsurance apply toward
when out-of-network coverage may be available. You’ll select a
out-of-pocket maximums.
Primary Care Physician (PCP) who will provide routine services
• You can make tax-free contributions to a Health Savings
and can refer you to other providers in the network when you
Account (HSA) to pay for qualified medical expenses for you or
need to see a specialist or be hospitalized.
your taxable dependents or save for a future medical expense.
• PayPal contributes to your HSA.
• The HSA is managed by HealthEquity.
• The money is yours to keep forever!
You’re eligible for coverage as of your hire date (or benefits eligibility
date), and the elections you make as a new hire will remain in effect for
the calendar year, unless you have a qualifying life event and update your
selections within 30 days of the event date.
Learn more at paypalbenefits.com. 3
Medical Options
Important Information Medical Plan Comparison Chart
About the $300 The following table summarizes the medical plan options and what you pay for care. Refer to the plan’s Summary Plan Description for
Deductible and CDHP specific details about each plan. The UnitedHealthcare plans allow you to see providers in-network and out-of-network. Remember, both
Health Plans medical and prescription drug costs count toward the annual deductible and the out-of-pocket maximum.
Deductible: Amount you
must pay each year before UnitedHealthcare UnitedHealthcare
coinsurance benefits $300 Deductible CDHP with HSA
are paid.
In-Network Out-of-Network1 In-Network Out-of-Network1
$300 Deductible: Each
covered individual must Annual Deductible $300 Individual $500 Individual $1,500 Individual $2,500 Individual
meet the individual $900 Family $1,500 Family $3,000 Family $5,000 Family
deductible. Out-of-Pocket Maximum $2,300 Individual $3,500 Individual $3,500 Individual $6,000 Individual
CDHP: The entire $4,900 Family $7,500 Family $7,000 Family $12,000 Family
family must meet the
Coinsurance You pay 10% You pay 30%2 You pay 10%2 You pay 30%2
family deductible before
coinsurance kicks in for any Hospital (inpatient) $250 copay, then You pay 30%2 You pay 10%2 You pay 30%2
individual; the deductible you pay 10%
applies to all services except
preventive care exams. Emergency Room3 (copay $100 copay, then you pay 10%2 You pay 10%2
waived if admitted) (for both in- and out-of-network) (for both in- and out-of-network)
Out-of-Pocket
Maximum (OOPM): The Doctor Office Visits $20 copay You pay 30%2 You pay 10%2 You pay 30%2
maximum you will pay
Specialist Office Visits $35 copay You pay 30% 2
You pay 10% 2
You pay 30%2
before the plan pays 100%
of covered charges. Includes Annual Physical Exams You pay nothing You pay 30%2 You pay nothing You pay 30%2
amounts paid toward your (100% covered) (100% covered)
annual deductible, copays,
Diagnostic X-ray/Lab You pay 10%2 You pay 30%2 You pay 10%2 You pay 30%2
coinsurance, and prescriptions.
Just like the family deductible,
if you cover one or more Prescription Drug Coverage
dependents, you must meet Prescription coverage provided by CVS/caremark for UnitedHealthcare plan participants.
the full family out-of-pocket
maximum amount before $300 Deductible CDHP with HSA
the plan begins to pay the
remainder of eligible medical In-Network Out-of-Network In-Network Out-of-Network
benefits for the rest of the Generic $10 4
$10 + 50% You pay 10% 2
You pay 10%2
year. This applies even if only
one member of your family is Brand Formulary $25 4
$25 + 50% You pay 10% 2
You pay 10%2
using the plan’s benefits. Brand Non-Formulary $404 $35 + 50% You pay 10%2 You pay 10%2
Prescriptions under
the CDHP: Deductible and Employee Costs Per Pay Period
coinsurance apply.
Your benefit costs are based on whether you cover only yourself, or yourself and your eligible dependent(s).
Prescription Drug $300 Deductible CDHP with HSA
Coverage
Employee Only $51 $39
Chronic Condition
Medications: Medications Employee + Spouse/Partner 5
$172 $123
prescribed for the Employee + Child(ren) $146 $115
treatment of diabetes, high
blood pressure, and high Employee + Family $244 $159
cholesterol are provided at
no cost to UnitedHealthcare 1
If you use an out-of-network provider, you will be responsible for any billed charges that exceed “customary and reasonable” charges.
plan participants when they 2
Deductible applies.
are filled by in-network 3
If services are not a true emergency, you'll pay more for the cost of the visit.
pharmacies.
4
Copays will be applied toward a combined medical and prescription out-of-pocket maximum.
Prescription Quantity
Information: You may
5
The IRS states that the fair market value for domestic partner coverage is taxable to the employee. This means the full cost of individual
coverage (for your domestic partner) would be added to your taxable income. This is referred to as “imputed income.” You will see domestic
purchase up to a 30-day
partner imputed income added to your earnings (to incur the tax liability) and then deducted from your gross pay.
supply at a retail location.
You may purchase up
to a 90-day supply of
maintenance drugs via mail
order or at a CVS or Target
pharmacy for a reduced copay.
(Does not apply to CDHP.)
4 Learn more at paypalbenefits.com.
Medical Plan Comparison Chart Prescription Drug
The following table summarizes the HMO medical plan option and what you pay for care. Refer to the plan’s Summary Plan Description for Coverage
specific details about each plan. Chronic Condition
Medications: Medications
Kaiser HMO (CA) SelectHealth HMO (UT) prescribed for the
Provider Choice Kaiser facilities and physicians SelectHealth providers only treatment of diabetes, high
blood pressure, and high
Annual Deductible None $150 Individual cholesterol are provided at
$300 Family no cost to Kaiser HMO (CA)
medical plan participants
Out-of-Pocket Maximum $1,500 Individual6 $1,500 Individual6
when filled by in-network
$3,000 Family6 $3,000 Family6
pharmacies.
Coinsurance N/A N/A
Hospital $250 copay $250 copay6 Prescription Quantity
Information
Emergency Room7 $100 copay $100 copay
Retail: You may purchase
(copay waived if admitted)
up to a 30-day supply.
Doctor Office Visits $20 copay $20 copay Mail order: You may
Specialist Office Visits $35 copay $35 copay purchase up to a 90-day
supply of maintenance drugs
Annual Physical Exams You pay nothing (100% covered) You pay nothing (100% covered) for just 2x the retail copay
Diagnostic X-ray/Lab You pay nothing (100% covered) You pay nothing (100% covered) amount (does not apply to
SelectHealth HMO).
Prescription Drug Coverage
Prescription copay (In-Network Only)
Kaiser SelectHealth
Generic $10 $10
Brand Formulary $25 $25
Brand Non-Formulary $258 $45
Employee Costs Per Pay Period
Your benefit costs are based on whether you cover only yourself, or yourself and your eligible dependent(s).
Kaiser SelectHealth
Employee Only $39 $39
Employee + Spouse/Partner9 $131 $123
Employee + Child(ren) $107 $115
Employee + Family $184 $159
6
Includes office visit and pharmacy copays.
7
If services are not a true emergency, you'll pay more for the cost of the visit.
8
Requires pre-authorization by your Primary Care Physician (PCP).
9
The IRS states that the fair market value for domestic partner coverage is taxable to the employee. This means the full cost of individual
coverage (for your domestic partner) would be added to your taxable income. This is referred to as “imputed income.” You will see domestic
partner imputed income added to your earnings (to incur the tax liability) and then deducted from your gross pay.
Learn more at paypalbenefits.com. 5
Dental and Vision
When enrolling in dental and vision coverage, you have the choice of two
plan options, so you can select the coverage that best meets your and your
family’s needs. View the dental and vision plan charts below to compare your
plan options and what you pay for care.
Dental—Provided by Delta Dental
Core Plan Enhanced Plan
Individual Deductible In-Network: $50 Out-of-Network: $75 In-Network: $0 Out-of-Network: $50
Family Deductible In-Network: $150 Out-of-Network: $225 In-Network: $0 Out-of-Network: $150
Annual Maximum Benefit $1,500 per person $2,500 per person
(excludes orthodontia)
Preventive and Diagnostic Care You pay nothing (100% covered); 2 cleanings per year10 You pay nothing (100% covered); 2 cleanings per year10
Basic Care You pay 20% after deductible In-Network: You pay 20% Out-of-Network: You pay
20% after deductible
Major Care You pay 50% after deductible In-Network: You pay 50% Out-of-Network: You pay
50% after deductible
Orthodontia Not covered You pay 50%; Lifetime maximum: $2,500
ID Cards ID cards are issued for dental plan options
Vision—Provided by Vision Service Plan (VSP)
Core Plan Enhanced Plan11
In-Network Out-of-Network In-Network Out-of-Network
Coverage Exam: You pay nothing Exam: You pay nothing Exam: You pay nothing Exam: You pay nothing
(100% covered) (100% covered) (100% covered) (100% covered)
Materials: $20 copay Materials: $20 copay Materials: $20 copay Materials: $20 copay
Eye Exam You pay nothing (one Up to $50 allowance You pay nothing (one Up to $50 allowance
every calendar year)12 (every calendar year) every calendar year)12 (every calendar year)
Lens Benefit (per year) No copay for standard Maximum benefit No copay for standard Maximum benefit
progressive lenses Single: up to $50 progressive lenses Single: up to $50
$20 copay for premium Bifocal: up to $75 $20 copay for premium Bifocal: up to $75
progressive lenses Trifocal: up to $100 progressive lenses Trifocal: up to $100
Lenticular: up to $125 $40 copay for blue-light Lenticular: up to $125
-blocking/anti-reflective
coating on lenses
Frames $20 copay; up to $150 $20 copay; up to $75 $20 copay; $20 copay;
(every calendar year) (every calendar year) $150 1st pair, $150 2nd pair $75 1st pair, $75 2nd pair
(every calendar year) (every calendar year)
Contact Lenses Up to $60 copay; $105 elective; Up to $60 copay; $150 elective;
(per year; in place of frames) $150 elective $210 necessary $150 1st pair, $150 2nd pair $300 necessary
Necessary covered 100% Necessary covered 100%
LASIK Not covered Not covered $1,000 allowance Not covered
ID Cards No ID cards are necessary. Simply provide your employee ID number to your participating VSP provider.
10
If you have been diagnosed with diabetes, heart disease, HIV/AIDS, rheumatoid arthritis, or stroke, you can get 100% coverage for 4 of the following (any combination) every
plan year: teeth cleaning, periodontal maintenance, and scaling in presence of gingival inflammation.
Enhanced Plan: First and second pair allowance can be split between frames or lenses. Frame allowance can also be used toward ready-to-wear, non-prescription sunglasses
11
when purchased using in-network providers. Additional eye exam will be covered with no copay for members with diabetes.
12
Additional eye exam will be covered with no copay for members with diabetes.
6 Learn more at paypalbenefits.com.Employee Costs Per Pay Period
Your dental and vision plan costs are based on whether you cover only yourself or yourself and your eligible dependent(s), too.
Dental Vision
Core Enhanced Core Enhanced
Employee Only $3 $7 $1 $2
Employee + Spouse/Partner13 $6 $15 $2 $5
Employee + Child(ren) $8 $18 $2 $5
Employee + Family $11 $24 $3 $8
The IRS states that the fair market value for domestic partner coverage is taxable to the employee. This means the full cost of individual coverage (for your domestic partner)
13
would be added to your taxable income. This is referred to as “imputed income.” You will see domestic partner imputed income added to your earnings (to incur the tax liability)
and then deducted from your gross pay.
Learn more at paypalbenefits.com. 7Financial Security
PayPal 401(k) Savings Plan Employee Stock Purchase Plan (ESPP)
The PayPal 401(k) Savings Plan helps you build savings for an The ESPP gives you the opportunity to buy shares of PayPal’s
active, healthy, and financially stable future. Plan highlights common stock at a discount. Plan highlights include:
include: • You can contribute 2%–10% of your after-tax eligible payroll
• You can contribute up to 50% of your eligible earnings earnings to purchase shares.
through pre-tax and Roth contributions, up to the IRS • The purchase price is equal to 85% of the closing price of
limit of $19,000 for 2019. common stock on either the first day of your applicable
• You can make after-tax contributions up to the IRS limit offering period or the actual purchase date, whichever is lower.
($56,000 in 2019; includes the combined total of pre-tax, • When the purchase period ends, shares are purchased for you
Roth, and employer matching contributions). Certain using contributions deducted from your paycheck. Your shares
restrictions apply. are then deposited into your E*TRADE account.
• If you’re age 50 or older, you can also make catch-up • You can hold your shares as a long-term investment or
contributions of up to $6,000 for 2019. immediately sell them for cash.
• You can designate some or all of your contributions as • Offering periods generally begin May 1 and November 1, with
Roth contributions. purchase dates generally occurring on April 30 and October 31.
• PayPal matches 100% of your pre-tax and Roth contributions,
up to 4% of your eligible earnings.
• Both employee and PayPal contributions are 100%
vested immediately.
Visit schwab.com/workplace to learn more.
The PayPal 401(k)
Savings Plan helps
you build savings for
an active, healthy,
and financially
stable future.
8 Learn more at paypalbenefits.com.Flexible Spending Accounts (FSA) Life Insurance
FSAs allow you to set aside pre-tax dollars from your paycheck Basic Life: Company-provided benefits of twice your annual
to pay for eligible health care and dependent care expenses. earnings, up to a maximum of $2 million.
You don’t pay federal or state income taxes on your FSA Optional Life: One to six times your annual earnings, up to a
contributions. When you have an eligible expense, you request maximum of $2 million. Medical evidence of insurability (EOI) is
a reimbursement to pay yourself back. There are two types of required for policies greater than $500,000 or three times your
FSA accounts: salary (whichever is less). EOI is also required during Annual
• Health Care FSA. Can be used for eligible out-of-pocket Enrollment if you newly elect optional life coverage or increase
health care expenses (medical, dental, or vision care). You’re your coverage by more than one level.
issued an FSA debit card (for annual elections greater than Spouse Optional Life: Up to the lesser of $250,000 or 50%
$100). You can carry over up to $500 every year. of employee coverage. Medical evidence of insurability (EOI) is
• Dependent Care FSA. Covers eligible dependent care expenses required for policies greater than $75,000.
so that you (and your spouse) can work or attend school.
Child Optional Life: Up to $25,000.
Carefully consider your annual election. Any remaining balance
in your account after the claim filing deadline will be forfeited. Accidental Death and Dismemberment
If you’re a non-exempt employee enrolled in the Dependent (AD&D) Insurance
Care FSA, you’re eligible for a company contribution of 15%, Basic AD&D: Company-provided benefits of twice your annual
up to $652 annually. Your annual contribution includes your earnings, up to a maximum of $2 million.
contribution and PayPal’s 15%. For example, if you elect Optional Employee Only, or Employee and Family AD&D:
a yearly contribution of $1,000, PayPal will contribute $150 One to six times your annual earnings, up to a maximum
(15% of $1,000), which means you’ll have $1,150 to pay for eligible of $2 million.
daycare expenses.
Disability Insurance (Short-Term and Long-Term)
FSAs at a Glance In the event you become disabled as a result of injury or illness,
Plan Maximum Election Eligible Expenses PayPal provides short- and long-term disability benefits at no
cost to you:
Health Care FSA $2,650 Medical, prescription,
Short-Term Disability (STD): Provides 80% of your base
dental, vision
salary, up to a maximum of $6,500 per week. The Enhanced
Dependent Care FSA $5,000 Child care or elder Maternity Benefit provides up to 100% of your base salary for the
care expenses
first eight weeks of pregnancy disability leave.
Long-Term Disability (LTD): Provides 67% of your base salary,
Group Legal Benefits
up to $25,000 per month.
Group legal benefits cover a broad range of legal services, including:
• General telephone advice and office consultations Business Travel Accident (BTA) Insurance
• Document review You can use BTA and emergency travel assistance when you’re
• Wills and estate planning traveling on behalf of the company. The policy provides life and
• Real estate matters AD&D insurance of up to five times your salary ($1 million limit),
• Debt matters insurance for medical expenses incurred outside your home
You may enroll in this plan during your initial enrollment period country, lost baggage, and cash or cash equivalents.
or during Annual Enrollment.
Identity Theft Protection
If your identity has been stolen, Optum® Core ID Theft Protection
immediately connects you to a specialist who can help you dispute
fraudulent charges, help restore your identity, and take steps to
avoid future losses. This program is provided at no cost to you.
Learn more at paypalbenefits.com. 9Time Off
PayPal offers a variety of time off programs to meet your needs. Whether
you're planning the annual family camping trip or taking time to recharge, our
time off programs are here to support you.
Sabbatical Program Paid Sick Leave (PSL)
PayPal’s sabbatical program provides four weeks of paid time Paid Sick Leave (PSL) is provided for time off if you are ill, have a
off after five years of service. Take a break from the pace of your medical appointment, or need to take care of a sick family member.
work and recharge with family, travel, pursue hobbies, work on
If you’re a non-exempt employee, you’re eligible for five paid
your personal development—most important, have fun!
sick leave days (40 hours) per year, which accrue per pay period
Time Off until the maximum of 40 hours is reached. You can use PSL after
• Non-exempt employees can use Paid Time Off (PTO) for 90 days of employment.
vacation, personal time, or illness. You begin to accrue PTO Exempt employees receive five paid sick leave days per year
from your first day of employment. If you’re a full-time at the beginning of the year, which can be used after 90 days
employee, your PTO accrues at 4.92 hours per pay period, with of employment.
an additional day added for each year of service, up to 20 days
per year. If you’re a part-time employee, your PTO accrual will Enhanced Leaves
be pro-rated, based on your scheduled hours. There are three types of enhanced leave:
• Exempt employees use Tracking-Free Vacation (TFV) for time • Enhanced Maternity Benefit. Pays you 100% of your base pay
off related to vacation, personal time, or short-term illness. for the first eight weeks of time away from work while you’re
TFV means you work with your manager to take time off. It is on pregnancy disability. This benefit is coordinated with other
not accrued, and there is no annual limit. benefits that may be payable, such as Short-Term Disability or
any statutory programs.
Holidays • Paid Bonding Leave. Pays you 100% of your base pay, up to
PayPal observes 10 holidays each year. In 2019, PayPal will observe eight weeks, within the first year of the birth or placement
the following holidays: of a child. This benefit is available to all mothers, fathers, same-
• New Year’s Day, Tuesday, January 1 sex spouses, and domestic partners. The benefit can be taken
• Martin Luther King Jr. Day, Monday, January 21 at one time or in increments (with supervisor approval). It will
be coordinated with other benefits that may be payable, such
• Presidents' Day, Monday, February 18
as state-specific paid leave programs.
• Memorial Day, Monday, May 27
• Paid Family Care Leave. Allows you to take paid time off
• Independence Day, Thursday, July 4 to care for a seriously ill family member. You receive 100%
• Company-Designated Holiday, Friday, July 5 of your base pay for up to eight weeks to care for a sick
• Labor Day, Monday, September 2 spouse, child, or qualifying parent if you’re certified as the
• Thanksgiving Day, Thursday, November 28 primary caregiver. This leave will be coordinated with any
other benefits that may be payable, such as state-specific paid
• Day after Thanksgiving Day, Friday, November 29
family leave programs.
• Christmas Day, Wednesday, December 25
Non-Exempt Employees
Give Time Off (GTO) You can take advantage of PayPal’s Enhanced Leave Programs
Through our charitable giving initiative, PayPal GIVES, employees after your first full year of employment. You must give at
have the opportunity to be paid 100% of their base pay for least 90 days’ notice of your intent to take leave. This allows
eight hours per year while volunteering at a qualifying charitable us to continue to offer flexible working benefits and maintain
organization. GTO is available after your first year of employment. appropriate service levels for our customers.
10 Learn more at paypalbenefits.com.Learn more at paypalbenefits.com. 11
Everyday Support
Family
Adoption and Surrogacy Assistance Benefits Family Health App
If you adopt a child or use a surrogate, PayPal will reimburse you Download the Family Health by Wildflower app to help ensure
up to $10,000 in eligible expenses per adoption or surrogacy. you and your family stay healthy. Track key health milestones
Eligible expenses include attorney's fees, court costs, adoption or and customize the app for general health or pregnancy. The app
surrogacy agency fees, and placement fees. is available to employees at no cost.
Child and Elder Care Resources Fertility Benefits
Bright Horizons provides backup care where and when you need it Pursuing fertility treatment can be complicated, emotionally
most—if your regular caregiver is out sick, your child has a school draining, and expensive. Progyny can help you and your family
holiday, or an elderly family member is recovering from surgery. during this very personal journey by providing services such as
• Short-term Care provides up to 10 backup care uses per egg freezing, IVF, and pre-implantation genetic screening (if you
calendar year (each dependent counts as one use). For in-home are enrolled in a UnitedHealthcare plan).
care, you pay $6 per hour for both child and adult/elder care
Milk Stork for New Moms
(four-hour minimum). For center-based care, you’ll pay $15 per
Milk Stork makes it possible for working moms to continue
day for one child ($25 for two or more).
breastfeeding—even while traveling. You can either ship your
• Long-term Care offers resources and discounts to provide
milk home as needed, or bring it home with you in travel coolers
care for your whole family, including nannies, sitters for elder
at no cost to you.
care, pet sitters, housekeepers, and more.
Pet Support
Developmental Support Pets are family, too! Pet insurance is available to you on a
If you’re raising a child with learning and/or behavioral challenges, voluntary basis to help cover the cost for veterinary care for your
Rethink can provide valuable support and research-based household pets, such as dogs, cats, and birds. Employees receive
resources. You can have live tele-consultations with behavioral a 5% discount under the PayPal group plan. Plus, find reliable pet
health experts, and you have access to easy-to-follow videos, sitters through Bright Horizons when you need it.
printable materials, and training resources to best support your
child in reaching his or her top potential. Rethink services are
provided at no cost to you.
Health Resources
Advocacy Services Stanford Health Navigation Services
Advocacy services can navigate the health care system on your Stanford Health Navigators are available by phone to help answer
behalf. If you’re unable to resolve an issue with your provider, or any questions and provide additional support and resources,
need more urgent assistance, advocates can help. Your advocate regardless of the state where you live. Navigators can help with
will quickly and thoroughly research your inquiry and work scheduling appointments and coordinating specialist visits at
directly with your insurance carrier to resolve the issue. Stanford hospitals and clinics. Use Stanford Health Navigation
Services to complement your health care provider and primary
Expert Medical Opinion care physician. You have access to a customized website with
Advance Medical provides you with complimentary access to health resources, services, and amenities. Take advantage of
expert medical opinion services. If you or a family member the world-renowned Stanford Health Library, which provides
receives a diagnosis or is considering a certain treatment, scientifically based medical information to help you make
contact Advance Medical. They’ll assign a personal physician case informed decisions about health care.
manager who will work as your advocate.
12 Learn more at paypalbenefits.com.Benefits for Your Well-being
Educational Assistance Program
The Educational Assistance Program reimburses you up to $5,250 per
Wellness Coaching year for expenses related to continuing education and developmental
programs that can be applied to your current role or a likely
Vida is a wellness coaching future role with the company. Courses must be pre-approved by your
program that offers you manager before you can receive reimbursement for tuition, books,
and lab expenses. You must receive a passing grade of C or better
a network of coaches and for undergraduate courses, or a B or better for graduate courses.
experts to help you achieve Employee Assistance Program (EAP)
your wellness goals. No The EAP provides counseling and consultation services—
including convenient virtual visits and virtual mental health
matter what your goal is— visits—designed to help you and your eligible family members
managing stress, eating with a wide range of personal, emotional, and financial issues. The
EAP offers six counseling sessions per year on topics such as:
better, or getting fit—Vida • Stress, depression, and anxiety
is your first stop for total • Personal and family relationship challenges
• Emotional wellness
well-being. There’s no enrollment required. EAP services are provided at no
cost to you.
With the Vida secure mobile
Emotional Well-Being
app, you’ll get ongoing
meQuilibrium helps you build resilience to stress and reduce
guidance and support, its negative effects through confidential digital coaching. You’ll
take a free online stress assessment, create a meQ profile, and
interactive resources, and receive a personalized action plan. Download the app for support
progress-tracking tools to on the go.
keep you motivated. Plus, Support Your Favorite Cause
Vida coaches and experts will Give as little as $10 to a nonprofit or charitable organization,
and PayPal will match it, dollar for dollar, up to $2,500.
recommend PayPal resources Volunteer your time, and we'll give $10 for every hour you
donate, up to $500, to the organization you’ve chosen. Visit
and benefit programs paypal.com/paypalgives for information about eligible
available to you. And it’s nonprofits, including those outside the U.S.
offered to all U.S. employees, Virtual Weight-Loss Support
spouses/partners, and Real Appeal is a virtual weight-loss program that puts interactive
videos, live online group discussions, and personalized coaching
dependents age 18 and older at your fingertips. This one-of-a-kind program is available to
all U.S. employees, spouses, and dependents age 18 and older
at no cost. enrolled in a PayPal medical plan, at no extra cost to you.
Learn more at paypalbenefits.com. 13U.S. Benefits Contact Information
Provider Website Phone Number Description
Your Benefits Resources™ (YBR) ybr.com/benefits/paypal 844-474-6641 For all benefit plan and
Customer Service enrollment inquiries
MyHR MyHR Online 855-489-0343 MyHR
Medical Plans Website Phone Number Policy #
UnitedHealthcare $300 Deductible welcometouhc.com/paypal 844-298-2737 909006
UnitedHealthcare CDHP with HSA
CVS/caremark (Prescription provider for UHC) caremark.com 844-287-1297 1166
Kaiser HMO (CA) kp.org 800-464-4000 604762 Northern CA,
232527 Southern CA
SelectHealth HMO (UT) selecthealth.org 800-538-5038 G1017120
Dental Plan
Delta Dental deltadentalins.com 800-765-6003 17690
Vision Plan
Vision Service Plan (VSP) vsp.com 800-877-7195 30057214
Financial Security
AC Newman (AD&D) Basic and Optional Policies acnewman.com 877-226-8711 ADD-123708 (Basic),
PAI-123707 (Optional)
Business Travel Policies MyHR Online 800-336-0627 (U.S.) Visit MyHR Online
302-476-6194 (Outside U.S.)
Charles Schwab 401(k) Savings Plan schwab.com/workplace 800-724-7526 PayPal
E*TRADE etrade.com 800-838-0908 Not Required
HealthEquity HSA for participants enrolled healthequity.com/ed/paypal 866-346-5800 Not Required
in the CDHP
Hyatt Legal legalplans.com 800-821-6400 PW: 6091045
Optum Core ID Theft Program liveandworkwell.com 800-821-6400 PayPalUS
Prudential Basic and Optional Policies mybenefits.prudential.com 800-524-0542 52583
Sedgwick Leaves Disability and Workers’ MyHR Online 855-233-7599 52853
Compensation
Your Spending Account™ (YSA) ybr.com/benefits/paypal 844-474-6641 Not Required
Flexible Spending Accounts
Everyday Support Website Phone Number Policy #
Arbor EAP (Nebraska) arborfamilycounseling.com 800-922-7379 arbor
Bright Horizons careadvantage.com/paypal 877-BH-CARES UN: PayPal, PW: backup4u
meQuilibrium mymeq.com/paypal 617-600-6671 PayPal
Milk Stork milkstork.com/paypal 888-207-6909 PayPal
Nationwide Pet Insurance petsnationwide.com 888-899-4874 PayPal
Optum EAP liveandworkwell.com 866-248-4096 PayPalUS
Progyny progyny.com/member-portal 833-838-5850 PayPal
Real Appeal realappeal.com 844-344-REAL PayPal
Rethink paypal.rethinkbenefits.com 877-988-8871 PayPal
Vida (starting 1/1/2019) vida.com/paypal email: paypal_support@vida.com HEALTHYPAYPAL
Health Plan Resources
Advance Medical (Expert Medical Opinion) advance-medical.com/paypal 888-416-7514 (U.S.) Not Required
650-284-0984 (Outside U.S.)
Advocacy Services (Claims Assistance) alight.com/advocacy 844-474-6641 Not Required
Stanford Health Navigator shc.is/paypal 844-463-7366 (U.S.) Not Required
650-736-2741 (Outside U.S.)
14 Learn more at paypalbenefits.com.Learn more at paypalbenefits.com. 15
The rights, if any, of employees to participate in the benefits programs and to receive benefits under such
programs are governed by the terms and conditions of the applicable benefit plans and PayPal policies (the
“Benefit Plans”), rather than any summary or other communication. In the event of any conflict between any
summary or other communication and the Benefit Plans, the applicable Benefit Plan shall control. Information
contained in this communication does not create a right to employment and will not be interpreted as
forming an employment contract or affecting an employee’s employment status, which remains at-will.
PayPal reserves the right to make changes or cancel any benefits at any time, at PayPal’s sole discretion.
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